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Get your next purchase on easy & affordable installments.

BillEase — Buy Now, Pay Later

BillEase makes your online shopping affordable and convenient by spreading your payments into simple installment plans. Just find what you want at any of our online merchant stores, choose Pay with BillEase, and enjoy your flexible monthly payments. You can also unlock exciting features every successful repayment!

Buy what you want today on Lazada or at any of our merchants, and pay in 12 equal terms. We’ll let you know when your installments are due so you’re on top of every payment.

Lazada, Anson’s, Kimstore, Mandaue Foam, GameOne, Datablitz, Maria Health, Stork.ph, The Nest Genie, ConcepStore, MUMUSO, Henry’s Camera, TechGear MNL, tripmoba.com, Linen & Homes, SaveNEarn, Watch Republic, Perfume Philippines, Watch Portal, LEUPP, Babymama, Drive Groceries, Book Valley PH, e-kicks, Zilingo Trade, HairMNL, Motivo, TravelOnline, Poporri, Gurkka.com, Monarc, Gogulong, Svasta Travel, Lucent Teeth Whitening, Shadows & Patterns, Alleyway, Simply Modular, Mario & Maria, Energos Trades, Kidscompany, Watch Republic, Urban Gadgets, Trinika, Silikon, Ichiban Tekno, MiStore PH, Laptop Factory, BigBenta, Urban Origins PH, Cartspree, Elevatione, Ram, Lacy Willow, Glow Girl MNL, Gemline, Hey Gorgeous, Perfume Rack, Home.MNL, i-Click Counter, Hubware, Toshiba, Midea, Powerled, Lounge Edit, DC Shoes, Hedgren, Raising Little, Ellebaby, Zenith Hub PH, eScooter Zone, Analog Daily, Flowerstore, Animezing Toy & Collectibles, Tankobonbon, Kleigh Book Galley

Remedy.ph, become®, Monarc, Linen & Homes, Nakto PH, My Tread Pad

Enjoy the benefits without paying upfront. We charge the lowest interest rate at only 3.49% monthly. Watch out for our 0% APR promo with selected merchants and mobile load.

As you keep using BillEase and maintain a good standing with us, our system will automatically increase your credit limit and unlock exciting additional features.

Load your phone and just settle the exact amount on your next due date. No interest or fees added.

No one wants to wait. Most customers who apply on our app can get an instant decision and can avail immediately.

BillEase is built for the digital age. Secure transactions through integration in our merchant partner’s checkout process. No credit card numbers to worry about. Always keep track of your transactions in our app.

You can easily pay your installments via InstaPay or PESONet, direct bank deposits, coins.ph, or at over 22,000 7-Eleven, Cebuana, and MLhuillier retail outlets.

What you see is what you pay - no hidden fees. Our app lets you configure your installments and see the exact amount you will pay every month upfront. Before availing we will always generate a Disclosure Statement in compliance with the Truth in Lending Act for you to avoid surprises.

Information about cost of your installment plan:
- Annual Percentage Rate (APR) of our installment plans is 41.88%
- Installment terms are flexible from 1 to 12 month
- Sample calculation: An installment plan for PhP 15,000 with a cash out of PhP 3,000 will result in 3 monthly installments of PhP 4,538.8

We love feedback!
Email us at: info@billease.ph
Call us at: SMART: 09999804333/GLOBE: 09159039339
FB: https://www.facebook.com/billeaseph/
IG: https://www.instagram.com/billeaseapp/

BillEase is a product of First Digital Finance Corporation (FDFC) doing business under the names and styles of FDFC, Balikbayad, Loan Ranger and BillEase. FDFC is regulated by Securities and Exchange Commission as a financing company (CoA No.: 1101) and by the Bangko Sentral ng Pilipinas as Operator of Payment System (OPSCOR-2021-0007)

What’s New

Version 4.0.24

app improvement, bug fixes

Ratings and Reviews

4.8 out of 5
3.4K Ratings

3.4K Ratings

RamuelAsturiano ,

I Love BillEase!

Amazing Loan App. The app has a same-day cash release upon approval via Gcash Top Up. The interest rates are reasonable and not at all greedy. Repayment is a bit tricky and difficult but ultimately can be followed by anyone who knows their phone know-hows. Terms are so easy. I pay 2 times a month for 3 months. BillEase really lives up to its name—to ease you from your bills.

I just wish they have a cash availment system that goes straight to your bank without deducting the 10% from the actual loan. Using the Gcash Top Up, you’ll get a 10% deduction straight up. For example, if you top up 5000, you will only receive 4500 in actual funds.

But even with that system in place, I was able to loan 5400 in actual funds. Total repayment comes to 6588, 22% interest. Still amazing considering this rate is common among OLAs but loan term for them is only 7-10 days while BillEase gives you 3 months to repay.

Quxxxx ,

The best loan app!

I would like to commend BillEase for smooth transaction. Low interest and easy to deal with if you need a little more time to pay. Their customer service is outstanding! I had a problem with an overpayment and they refund it real quick after they verify the payment. They even called me to tell me what I need to do. I can’t believe they are so reliable. Thanks, BillEase. More power to the team!

just cm. ,

BillEase is the best!

This loan app is very useful, I took a loan with an app for the first time because I was scared before but when I found out about it from a friend I knew, I didn't hesitate to try and guess what, BillEase never disappoints me! as long as you pay on their due date, their staffs are also kind and easy to talk to.

App Privacy

The developer, First Digital Finance Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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